Vision

To become a dynamic and efficient bank providing integrated solutions and

the first choice of bank for all customers.

Mission Statement
• To provide value-added services to our customers
• To provide high-tech innovative solutions to meet customer
requirements
• To create sustainable value through growth, efficiency and diversity for
all stakeholders
• To create sustainable value through growth, efficiency and diversity for
all stakeholders
• To provide a challenging work environment, and reward dedicated
team members
• To play a proactive role in contributing towards the society
Values
• Integrity
• Excellence in Service
• High Performance
• Innovation and Growth
History at a Glance
The bank was incorporated as Australasia Bank Limited in 1942, after the
amalgamation of four banks in 1974; name of the bank was changed to
Allied Bank Limited. It is one of the largest banks in Pakistan with more than
700 Branches connected to an online network. In August 2004 the Bank was
restructured and the ownership was transferred to Ibrahim Group.
Top Management and Organization Structure
Allied Bank has been divided into 16 regions, each under the control of a
regional General Manger (RGM). The RGM is not any fixed designation in the
organizational hierarchy. The person appointed for its position can be a SEVP
and EVP.
Products & Services
Products
Allied bank offers a wide range of products geared towards the customers.
The following products are available for customers:
• Rupees Deposit Accounts
• Foreign Currency Accounts
• Allied Cash+ Card
• Online Banking
• Internet Banking
• Credit Card
• Advances/Financing
• Services

Services
Anyone can rely on Allied banks friendly staff that is eager to assist their
customers as best as possible. Allied Bank offers the following services to its
customers:
Remittances
• Hajj Services
• Utility Bills
• Lockers
• Remittances
• 1-Link ATM
• Business Account
• Foreign Currency Account

Marketing and Sales

ABL Bank has its decentralized marketing setup, as each department has its
own marketing plan and strategies. It prepares different schemes for its
customers time to time in order to enhance the business of the bank. At
branch level, the operations department follows marketing practices. At each
branch of bank officers are available to provide marketing activities of their
products.
They make customer calls and personally visit the potential customer to
convince them to invest in ABL.
Operations
Industry Analysis

Operations

SWOT Analysis
SWOT is the abbreviation of four words these are “S” stands for strength “W” stand for
weaknesses “O” stands for opportunities and “T” stand for threats. Strength and weaknesses are
the internal factors of the organization and these are also known as the micro factors but the
opportunities and threats are the external factors and these are known as the macro factors. Micro
factors are the controllable factors but the macro factors are uncontrollable.

Whenever the organizations come into a form, they have to know about their strength and
weaknesses. Then they have to find out their opportunities and then they come to know about
their threats but according to the latest theory the word SWOT is know as WOTS. According to
this theory, first of all the organizations know their weaknesses, then they get knowledge of their
opportunities that they have in the particular sector and then they have come to know about their
competitors and at the last they think about their strengths.

The easiest way to know about any organization is the SWOT analysis. So to reveal the hidden
factors I did a SWOT analysis of the Allied bank. It is not the SWOT analysis of ABL as a whole
but only of the branch where I worked. Many aspects are same almost in every branch of the
Allied bank.
STRENGTHS

LARGE NUMBER OF BRANCHES

Allied bank has maximum number of branches in all over Pakistan. It has more than 735
branches connected to each other through an online network and most of the branches are
working at the main business points.

VARIETY in PRODUCTS
Allied Bank has many products for almost all type of customers. So, it depends on the customer
that which product he likes and in which sector he wants to invest depending on whether a
person is salaried one or a businessman. It also gives the companies the facilities of collection
accounts. ATM and Credit cards, online transfer, DD, TT, Rupee Traveler cheques are the main
products available for customers.

ONLINE FACILITY
Allied bank is providing the facility of online banking. This facility allows a customer to send or
deposit money through cash or a cheques to an account of any other branch of ABL. It also gives
the facility of balance inquiry and cash with drawl from a certain account of any other branch of
ABL through cheques.

SECURE BANKING
The online banking feature provides less chances of fraud. Because whenever some transactions
take place, they can be checked any time and their receipts are receipts are given to the
customers. Moreover, to prevent illegal acts, the person who transfers any amount submits his
copy of NIC to the bank.
LOCKERS FACILITY
Many banks provide the facility of lockers but not in their all branches but Allied bank is the
only bank that provides the lockers facility to their customers at their all branches.

CUSTOMER CARE CENTER

Allied bank has customer care center for its customers. They have toll free numbers on which
customers can dial and they have not to pay any thing for it. This center also provides the facility
to the customers on spot and helps them whatever the matter is.

FOREIGN EXCHANGE
Allied bank provides the facility of foreign exchange to its customer. The customers may also
open their accounts in foreign currency. The bank provides the facility of letter of credit and
other export/import facilities to its customers. The customers may get the facility of money
exchange on the current rates. To get the latest rates, the head office provides them with the fax
facility of daily rates of foreign currency.

SAME ACCOUNT NUMBER FACILITY

At Allied bank the customers the person who has more than one account can have the facility of
the same account number only the suffix is changed. This facility provides the customer with
easy remembering of the account number.

PAID LEAVES
For employees the relaxation is that the employees may get the 36 medical leaves and 1-month
vacation in one year with their pay in case of some emergency.

SECURE ENVIRONMENT
Cameras are installed in all the branches of the bank to ensure security of its customers and
employees. Also security guards are available through out the day. Cameras are installed in front
of the cash counters. These cameras are switched on all the time. The branch manager can see all
the activities while sitting in his office on a display monitor. If some thing goes wrong then the
manager can buzz the security alarm immediately.

ACCOUNT OPENING an EASY PROCESS

At Allied bank it’s very easy to open an account just an introducer and a copy of NIC is required.
Customer just needs to fill up account opening forms and can enjoy the facilities of any type of
account the want. This is the strength of Allied bank facilitates all of its customers.

EMPLOYEES’ REPLACEMENT
In every branch of Allied bank the back up of every employee is there in case of emergency if
some officer is not available at the bank, some other person will back him up. That person is
always well familiar with the responsibilities of that officer.

LOW RATE OF INTEREST

Allied bank offers loans to its customers on very low rates. This thing invites the customers to do
a business with ABL.

SUPPORTIVE ENVIRONMENT

The staff of the ABL is very much cooperative. This thing enhances its performance very much
by facilitating its customers and also by helping colleagues and sharing workload.

WEAKNESSES
INCENTIVE SYSTEM

Most of the staff in the Allied Bank is not completely satisfied with the inducements. This
dissatisfaction sometimes leads to less motivated employees in banking which in turn can effect
its business efficiency. Moreover, permanent staff is not given any performance related
incentives. As a result of this, an inefficient manager or employee is earning the same as an
efficient employee who is the real asset for the organization
INCREMENT IN WORKFORCE’S PAY
The other main weakness of the Allied bank is that there are mostly no annual
increments to their employees’ salary. This thing leads to the dissatisfaction of
employees.

LATE PROMOTIONS

The other thing that for the employee’s point of view is a weakness in Allied bank is that
the employees are promoted after a big period against the schedules specified by the
bank.

LOW PRODUCT CREDIBILITY

Allied Bank has still not got the edge where the consumers become loyal to its products
and services. Mostly customers become its customers out of no reason than request
from a personal banker. And talking about consumer banking, though credit cards
awareness in our middle class society has gradually improved but not up to the point
where they can compare the features that one Bank is offering and other is not. Truth
must be said, most customers do not even know the points behind the term “interest
free days”. The point is, consumers do not know of the product being offered so how
can they rely on the product.

OPPORTUNITIES
The Allied Bank is having a great opportunity to emerge as the best bank of the country by
giving best possible services to its customers. The banking sector is improving day by day and
consumer banking is making great revolutions in the banking sector. Allied Bank is still working
in the corporate sector and it’s missing a big market share of consumer banking. If it enters this
market then this bank can become the biggest and the most efficient bank of Pakistan.

THREATS

COMPETITORS
Allied Bank has the threats from their competitors in the banking sector, from the Govt.
policies and from the current economic conditions of the country:
The main competitors in the banking sector are the Bank-Alfalah, Faysal Bank, Muslim
Commercial Bank, Prime Commercial Bank etc Due to the tough competition the bank
is forced to sanction the loans at the reduced rates and other services at minimized cost
This reduces the profit margin which is a big hurdle in the way of innovation and
extended customer services.

GOVERNMENT POLICIES
Other threat which ABL: faces is the policies of the government. Tax charged on the
income of banking companies is much higher than on the income of other companies.
The strict regulations issued by the central bank, revenue authorities and other
concerned authorities are also a big threat to the bank. The Govt. revises the tax
policies on continuous basis, which often are not in the interest of the industry including
the banking sector.

POLITICAL CIRCUMSTANCES

Political conditions in Pakistan have been unstable since a very long period. Continuous
changes of regimes in the political affairs are great threat towards the healthy growth of
the whole industry.

TRADE and INDUSTRY CONDITIONS

Sudden rise and fall in the trade and industry conditions and stock exchange business
of the country also adversely affect the growth of banking sector. Unemployment,
unfavorable balance of trade, decreased per capita income; inflation and deflation,
recession and boom are the source to the handicapped progress of banking sector.

POLICIES of ABL

Another threat to the bank’s progress is its own policy. Bank is not concentrating on
improving its overall process. There is still lack of highly qualified staff in the bank. And
the employees are given promotions on reference basis, which causes frustration
among employees and overall graph of the performance comes down. So ABL should
reconsider their policies so that the bank may remain in the race.

RECOMMENDATINOS and SUGGESTIONS

During my stay at ABL, I tried to observe the environment profoundly. I found some problems
that were creating problems in achieving targets and objectives

• The bank is still depending on manual work to a great deal which causes slow
performance and increases the chances of mistakes. It should convert their system to an
automated one to better achieve its targets and also to take the advantage over its
competitors.

• Approach towards employees is still bureaucratic and a lot is to be done in this regard.
Late promotions, shortage of training and development facilities, favoritism in appraisals
and lack of sufficient incentives are some problems that are arising dissatisfaction among
employees. Due to this overall performance of the bank also decreases.

• Outlook of the branch I worked for was not good enough. The bank working beside this
branch was attracting more customers due to this factor also. In the new era this feature
counts a lot to any organization. So the administration of the bank should think on this
aspect also and make these conditions better.
Allied Bank Limited is engaged in commercial banking and retailed services.
The bank was incorporated as Australasia Bank Limited in 1942, after the amalgamation of four
banks in 1974; name of the bank was changed to Allied Bank Limited. Later on 2005, the bank
was listed on all stock exchanges in Pakistan. Extensive experience over the last 66 years of
operating in Pakistan, the bank has built strong equity, assets and deposit basis.
Allied Bank Limited is now one of the largest banks in Pakistan, operating through the network
of 766 branches in over 300 cities and towns offering real time online banking. The bank has in
place the largest ATM network in country with 502 ATMs in more than 145 cities and towns
across Pakistan.
 PACRA Rating.

Based on its financial performance and significant improvements in areas of Risk Management
and Corporate Goverance,the Pakistan Credit Rating Agency (PACRA) maintained long term
credit rating of Allied Bank Limited to AA (double A) and short term rating to A1+(Aone plus).

Corporate Governance Rating by JCR-VIS

CGR-8

Definition by JCR-VIS
High level of corporate governanc.
 Introduction

I have been working as a Branch Manger of

Allied Bank Limited,

Raiwind Road Branch, Lahore.
Tel. No. 042-5315670

Due to location of branch, it is covering following areas:

1 Commercial Area on Raiwind Road.

2 Commercial areas on Main Multan Road.
3 Residential societies nearest to Bank.

Being a Branch Manager

1 I want to live my mission and induce the same spirit in my team members.
2 To enhance corporate values that binds us together.
3 To play proactive role in contribution towards bank growth.
4 To meet my branch targets and to provide customized services.
5 To retain my existing customer upto their entire satisfaction and to capture new
market.
6 Due to the residential area branch we have less portfolio of advances, now I will
increase this portfolio by introducing good customers of different industries.
Core values which I consider as Manager:

1 Integrity.
2 Excellence in service.
3 High performance.
4 Innovation & growth.
 What we do

We offers full suite of banking products and services with the focus on service delivery through
technology.

Commercial & Retail Banking:

In this segment we are creating the needs of individuals; middle sized customers, small and
medium enterprises (SMEs).We provide our customer with integrated financing and investment
options and offer various deposit solutions including speedy funds transfer through its extensive
online banking.

Corporate and Investment Banking:

Corporate book is our major component of loan portfolio. Corporate and Investment Banking
offer wide range of financials sector to medium and large size private and public sectors entities.
These services provide
1 Term financing
2 Corporate advisory
3 Cash management
4 Trade products.
5 Corporate Finance Products.
And customer services on all bank related matters through the concept of relationship
management.
Consumer and Personal Banking:

In 2008, the Consumer Banking re Branded Visa Debit Card, and we are in line with bank policy
to provide consumers banking to establish maximum relationship with our customer upto their
entire satisfaction.

Now we are also facilitating our customer with Visa Credit Card.

Payments and Collection:

This includes payments, collection, funds transfer, clearing and settlements with the customers.
 Business Concept

According to me success of my business depends on technology, concept or strategy on which

my business is based so I always emphasize on providing customer oriented services to retain my
customers in a long run and entire satisfaction of these customers can be used as a reference tools
for others to start their relationship with us.

I have done following analysis to raise my business portfolio, as my core focus is to introduce a
culture of collaboration intended to deliver world class customer services.

Customer Analysis:

Branch management is responsible to establish, maintain an adequate an effective system of

internal controls and procedures to attract and retain its customers.
The main factor which matter in customer analysis is geographical area where branch is
located .Today’s customer is very sensible and well aware about the quality of the services and
best opportunities of the market so it is important to know their Real needs and handle it in
minimum span of time and to consider all the factors i.e. timely services, customer handling, face
reading of customer(first eye contact) which could be used as a marketing tool to motivate and
attract the customers toward our services and to provide maximum facilities/products offered by
our branch.

Recently we have introduced Loyalty Drive to capture and to keep in touch with our customers
who are not maintaining/ running their accounts for the last few months.
Competitor Analysis:

Today is a time of competition specially in banking sonario so I did work to analyze my

competitors exist in same location and then accordingly capture target market..

My branch is situated at Raiwind Road, although this is a limited market for me to enhance
the branch business but I market the other areas near to my branch and even outside of this
market. My competitors are Bank Alflah, Standard Charted Bank, Habib Bank Limited,Faysal
Bank Ltd and Bank al Habib. We are doing our best to maximize our numbers of customers by
using our strong competitive edge i.e. largest no of online branch network and customized
services.
 SWOT Analysis

In any business it is very important to go through the SWOT analysis to know about real position
of business.

I have analyzed following important factors in SWOT analysis.

Strength:

The strength of our bank is to be one of the pioneer bank in banking sector of Pakistan through
our
1 High standards and customized services.
2 Large network of online branches.
3 ATM across the nation.
4 Location of my branch in residential area.

Weaknesses:

There are no weaknesses but sometimes situation is beyond our control i.e energy crises, online
failure, etc.

Opportunities:

We have stronger external opportunity

Threats:

The main threat of our business is that as competition is increasing day by day as many
multinationals banks are existing in market and they are making efforts to make innovations in
banking sector so we have to keep this factor in mind to overcome threats.
 Compliance and Audit:

Compliance and audit is distinguishable component of banking for proper and smooth execution
of branch operations in accordance with policies and procedures given by State Bank of
Pakistan.

As a Manager, I consider it my prime responsibility:

1 To supervise all the internal operations of banking business.

2 To make reasonable measures for rectification of errors and to minimize risk related
transactions.
3 To provide proper guideline regarding procedures and policies to my team for
effectiveness and efficiency of branch operations.
 Conclusion

Through the edge of esteem organization and knowledge during the training conducted by IBP I
am sure that I will achieve all the targets given by the bank with the strong leadership qualities
and team work.
 Submitted By

(Branch Manager)
Aamer Masood
Allied Bank Limited,
Raiwind Road Branch,
Lahore
Phone No. 042-5315670